Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents.

Powering ahead

DBS Group Holdings 1Q 2014 financial results

April 30, 2014

Agenda

Strong momentum in key businesses

Business momentum, NIM, Asset quality

1

2

2

Income (S$m)

SME

Income from large corporate banking also at record

2010 Quarterly Average

2011 Quarterly Average

2012 Quarterly Average

1Q13 2Q13 3Q13 4Q13 1Q14

260 273 307

337

3

Record High

348 341 344 375

231 342

2013 Quarterly Average

11% yoy

9% qoq

Income (S$m)

Wealth

2010 Quarterly Average

2011 Quarterly Average

2012 Quarterly Average

1Q13 2Q13 3Q13 4Q13 1Q14

127

155

197

230

Total

Earning Assets

(S$b)

4

Record High

229 227 239 260 231 231

2013 Quarterly Average

91 103 116 122 122 127 134 139

13% yoy

9% qoq

13% yoy

Comprising Treasures, Treasures Private Client and Private Bank Total earning assets at end of period

2010 Quarterly Average

2011 Quarterly Average

2012 Quarterly Average

1Q13 2Q13 3Q13 4Q13 1Q14

Trade

Cash/ SFS

Income (S$m)

185

270

352 356 364

5

Global transaction services

Assets (S$b) (a)

Deposits (S$b)

20 45 52 58 63

95 95 130 82 65

63

119

63

115

59

109

369 396 394

371

2013 Quarterly Average

11% yoy

flat qoq

9% yoy

36% yoy

Assets and deposits at end of period (a) Trade assets; includes bank exposures and loans of financial institutions

Income (S$m)

Treasury customer income

1Q14 customer income as % of total Treasury income at 56%

2010 Quarterly Average

2011 Quarterly Average

2012 Quarterly Average

1Q13 2Q13 3Q13 4Q13 1Q14

172 206

217

296

6

Record High

282

228 231

355 231 259

2013 Quarterly Average 20% yoy

54% qoq

Agenda

Strong momentum in key businesses

Business momentum, NIM, Asset quality

1

2

7

Business momentum

8

Loans and deposits on track

Deal pipeline is full

T&M sales slowing somewhat

Strong momentum in M&A / RMB fixed income

9

Ranked 4th in Offshore RMB league table

Deals China Eastern Airlines’ 3 year RMB 2.5b

bonds Peking University Founder Group’s 3

year RMB 2b bonds Bank of China Singapore’s 2 year RMB

2b and 5 year RMB 1b bonds ICBC Singapore’s 2 year RMB 2b bonds

Offshore RMB Bonds (incl. FIG CDs) 1Q2014 Underwriter Amount (RMB b) Market Share (%) 1 HSBC 41.3 (101 issues) 23.7 2 SCB 32.2 (89) 18.5 3 Credit Agricole 17.3 (40) 9.9 4 DBS 14.8 (37) 8.5

FY2013 10 DBS 8.6 (22) 3.2

Ranked 1st by Deal Value for M&A announced in

1Q2014 for Asia ex Japan

Deals

Temasek’s Offer for Olam

JobStreet’s sale of online job board business to SEEK Australia

Perennial Real Estate Holdings’ reverse merger into St James Holdings

Fragrance Group’s demerger of Global Premium Hotels

Glencore’s delisting offer for Chemoil

Hutchison’s sale of 25% equity stake in AS Watson to Temasek

DBS: BPI, HwangDBS and SocGen private banking assets in Asia

Asia (ex-Japan) 1Q2014 Financial Advisor Deal Value (US$b)

1 DBS 16.5 (9 deals) 2 Morgan Stanley 15 (11) 3 Lazard 11.7 (8) 4 Citi 11.5 (13) 5 Goldman Sachs 11.2 (11)

Ranked 1st by Deal Value for M&A announced in

1Q2014 for SouthEast Asia

SouthEast Asia 1Q2014 Financial Advisor Deal Value (US$b)

1 DBS 9.9 (7 deals) 2 Goldman Sachs 7.5 (5) 3 HSBC 5.8 (2) 4 BofA ML 5.7 (1) 5 Credit Suisse 3.2 (3)

Net interest margin

10

1,327 1,382 1,406 1,454 1,488

1.64 1.62

1.60 1.61

1.66

1.40

1.45

1.50

1.55

1.60

1.65

1.70

1Q13 2Q13 3Q13 4Q13 1Q14

NIM (%)

Net interest income (S$m)

Asset quality

11

China

India

Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents.

Powering ahead

DBS Group Holdings 1Q 2014 financial results

April 30, 2014